Typical coverage of long term disability insurance

When workers have been disabled by an injury or a debilitating medical condition and their short term disability coverage has ended, they may be eligible to receive long term disability (LTD) benefits.

Depending on the policy, employees who have an LTD insurance policy may be given payments of 50 up to 70 percent of their salary to assist them during a prolonged disability. In some LTD policies, employees are only insured for up to 10 years while other policies cover disabled workers until they reach the age of 65 years old. Workers who are applying for their LTD benefits should also understand that the payments given to them may vary depending on their medical condition.

In this tough situation that you are applying or appealing for your LTD benefits, working with a skilled attorney is crucial in order to construct the most thorough, accurate application possible. If you are in Indiana area, the lawyers of the Hankey Law Office may work for you. Call our office today at 800-520-3633 to find out how we may assist you in the application process.